Tradies Finance

Refinancing made simple

Refinancing a mortgage doesn’t have to be complicated. Our experienced Loan Planners have a wealth of knowledge about the best and easiest steps to refinancing a mortgage. We work for you, not for the lenders. This means we help you refinance at the lowest possible cost.

Our refinancing steps are designed to make life easy for you. We’re on your side so we want the process to be as smooth as possible. All you have to do is follow these six easy steps:

  • Step 1

    Tell us why you’re looking to refinance. This way we can consider all the options available to achieve your financial goals.

  • Step 2

    We complete a Fact Find with you to get a full financial picture including your current loan details, assets, liabilities, debts, incomings and outgoings.

  • Step 3

    We take your information and complete a comprehensive search on lending options not just what your current lender may be offering.

  • Step 4

    We’ll go through the best options with you so you can make the decision that is right for you.

  • Step 5

    We assist you with all the paper work including application forms and any other documentation you’re required to provide such as: Letters of Offer and settlement documents.

  • Step 6

    Your refinanced loan is in place and this is when our relationship with you starts to flourish. We’ll work with you to help you pay your loan off as quickly as possible and give you advice about any future financial goals and decisions.

Easing the strain

Rather than trying to squeeze cash out that just isn’t there, refinancing can be a viable option to cover any of life’s unexpected costs. Your mortgage can act as a great asset. Refinanced wisely and correctly, it can give you access to much needed funds without adversely affecting your repayments and/or the length of your loan.

  • How do I get the best refinance rates?

    If you’re not entirely satisfied with your current lender, your circumstances have changed or you just believe you’ll get a better deal somewhere else you may be thinking of changing to a new lender.

    In any situation, you’ll want to make sure you really are getting the best finance rates possible and we can help you figure out if changing lenders is the best way to achieve this. Because there are a range of factors it may not be clear on the face of it how your loan compares.

  • What will it cost to refinance?

    There is no simple answer to this question. Changing loans can attract a range of fees such as:

    • Stamp duty
    • Application fees
    • Document preparation
    • Settlement and legal fees
    • Valuation fees
    • Exit fees

    The best thing you can do if you want to refinance is get in touch with one of our expert loan planners. We’ll take you through all of your options and make sure your refinance rates don’t exceed your current rates with any hidden or confusing costs.

  • Is it possible to consolidate with lower interest?

    One reason you might want to consolidate your debt would be to lower your payable interest rate. An important thing to look at when thinking about consolidating debt is what got you to the point you are at right now.

    Our specialised Loan Planners don’t just help reduce your current commitments, they’ll also help you create a strategy so you don’t fall into the same trap again.

    We’ll put together a home loan package that takes the immediate pressure off, and give you the support and tools to better manage your situation going forward. Our skilled Loan Planners and excellent loan products can turn what is often one of the largest household burdens into a powerful financial tool that helps you secure your future.

  • How do I repair bad credit?

    We’re here to help with practical advice to repair bad credit. While many might see the blips on your credit history as problems, we don’t. We’re looking at providing you with a strategy. First, to sort out the immediate issues and then we work with you to rebuild your credit record and return control over your financial future.

    Do you have more questions about refinancing? Call us on 1300 556 840 and we’ll be happy to help!